I hope the roof situation works out. Several years ago we had been thinking about re-roofing, but hadn't made that final decision to do it. That summer there was a hail storm. We didn't think that insurance would cover the roof damage since it was needing replaced before the storm. They did cover it - where we got lucky was there was a bad spot on the overhang that was totally unrelated to the hail and they told us to go ahead and have that taken care of too. I have been very happy with our insurance - we had another issue happen on vacation - should have been two seperate claims that they told us to combine so we would only have one deductible. It's Disney related - the first "claim" was my husband had his big camera around his neck, went in to the caves on Tom Sawyer's island and walked right into a wall and broke his lens. The second issue was on the way home we stopped in Nashville. We had a rooftop carrier on top of the van, in it was dirty laundry, beach towels, and other odds and ends.....nothing flammable (yes, flammable) About 2:30 in the morning we got a call from the front desk that our van was on fire! Well, it wasn't the van - it was the carrier - so there we were in the wee hours of the morning with sopping wet, singed and burnt stuff all over the parking lot. We stuck it all in garbage bags, had to go buy another rooftop carrier (got a soft sided one this time) and shoved everything in so we could inventory it for insurance. The agent let us claim the camera damage on that claim. The camera itself wouldn't have been worth turning in because the deductible was about the same price as the repair - or at least the estimate to repair, but by adding it in with the fire it offset the cost. I think the insurance adjuster felt bad for us!
I hope you guys are able to work this out with a minimal expense OOP and your insurance is able to help cover the damage. C
I'm so sorry to hear! Have you called your home owner's insurance yet? We had a similar problem about a year ago and they sent an adjuster out lickety-split. It was a good opportunity for us to renovate the upstairs bathroom anyway and the insurance check helped. I hope it doesn't put off your trip! Hmmm, maybe it's a sign that you should move to a more sunny climate, like say, Orlando! I'm sure Nicki would be happy!
It must just warm your heart to see your son excelling at something he loves so much!
I truly hope you've gotten some good news.
Give us an update when you can. I'm thinking it is DEFINITELY that dam ice, or ice dam.......whatever you said!!!This is actually a tough question, because it can be yes or no. If the roof is leaking because the shingles are old and worn out, then in most cases, it will not be covered. It would be considered a maintenance issue. Example would be on a new car, you have a warranty on the car but it will not cover for wear and tear items like brake pads or wipers. However, if this is a loss because of wind tearing the shingles away or ice dam backup then she will have no problem getting everything taken care of minus her deductible.
@ Kathy. I'm praying the best for you here. If you have any questions about insurance hit me up with a pm. I spent over 10 years as a claims adjuster for a very large insurance company and currently for the last 6 years own my own insurance agency.
Bob
Go with the one that pays off for you Kathy!!! 
Yikes Kathy. Just checking in and read all about the roof woes. That totally stinks. I really hope everything is working out for you and you are able to get the repairs covered. 
